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BOBCARD Empower Credit Card VS YES FIRST Business Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

BOBCARD Empower Credit Card
BOBCARD Empower Credit Card
YES FIRST Business Credit Card
YES FIRST Business Credit Card

Fees & Charges

Joining Fee
Nil
₹999 + GST
Renewal Fee
₹250 + GST
₹999 + GST
Spend Based Waiver
Annual renewal fee is waived off if you spend ₹50,000 or more in the previous anniversary year.
Joining Fee waiver on ₹20,000 spend in 30 days. Annual Fee waiver on ₹3 Lakhs spend/year.
Foreign Transaction Fees
3.5% of the total transaction amount.
Very low 1.75% + taxes markup on international spends, significantly cost-effective.
Interest Rate (APR)
3.49% per month.
3.99% per month (47.88% per annum) on outstanding due amount.

Rewards & Benefits

Welcome Bonus
Earn 500 Reward Points on spending ₹5,000 within 60 days of card issuance.
Joining Fee waiver on spending ₹20,000 within 30 days of card issuance.
Rewards Rate
Earn 1 Reward Point for every ₹100 spent on all eligible Merchant Category Codes.
Earn 16 RPs/₹200 on Air, Hotel, Dining, Travel; 8 RPs/₹200 on others. Cap: 3,000 RPs/month.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Nil
₹100 + GST charge for redeeming reward points.

Travel & Lifestyle

Domestic Lounge Access
2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend.
International Lounge Access
6 free International Airport Lounges annually with Priority Pass/LoungeKey membership.
Travel Benefits
Accelerated rewards on travel, 6 international & 2 quarterly domestic lounge accesses.
Movie Benefits
Not Applicable
Dining Benefits
Enjoy 15% Off at Select Restaurants through the Dining Fiesta Program.
Golf Benefits
One free golf lesson monthly & Green Fee Waiver at Select Golf Courses via TeePass.
Fuel Surcharge Waiver
1% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.
1% waiver on ₹400-₹5,000 fuel transactions, capped at ₹1,000 per month.

Security & Other

Insurance Benefits
Air accidental death cover worth ₹15 lakhs and non-air accidental death cover worth ₹5 lakhs.
Comprehensive cover up to ₹1 Cr (Air Accident), ₹25 L (Medical Emergency), ₹8 L (Credit Shield).
Cash Advance Charges
2.5% (min ₹300) domestic, 3% (min ₹300) international.
2.5% of withdrawn amount, with a minimum charge of ₹300.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

BOBCARD Empower Credit Card

YES FIRST Business Credit Card

Who is it for?

The BOBCARD Empower Credit Card is tailored for proprietors and self-employed individuals, providing a smart solution for managing business expenses. It offers a zero joining fee, affordable renewal fee with waiver options, and a decent reward rate redeemable as cashback. Cardholders also benefit from complimentary insurance covers, fuel surcharge waivers, and features for tracking employee spends and simplifying bill settlements, making it an accessible business partner.

Who is it for?

The YES FIRST Business Credit Card is tailored for entrepreneurs, offering a rewarding experience for business transactions. It boasts a low 1.75% foreign currency markup and extensive travel benefits, including complimentary lounge access worldwide. Cardholders can enjoy substantial reward points on diverse spends, valuable milestone benefits, and exclusive golf privileges. This card is ideal for business owners prioritizing travel, international spending, and a premium lifestyle.

Pros

Key benefits and features.

An excellent choice for small business owners managing their finances efficiently.

Facilitates convenient tracking of all card spends and simplifies bill payments.

Provides valuable insurance benefits for accidental death cover for cardholders.

Offers up to 50 days of interest-free credit to support diverse business needs.

Enjoy a personalised card look and contactless payments for added convenience.

Pros

Key benefits and features.

Low 1.75% foreign currency markup makes international business transactions highly cost-effective.

Extensive travel benefits include complimentary international and domestic lounge access for comfort.

Strong reward program provides accelerated points on key business spending categories like travel.

Valuable annual milestone benefits provide significant reward points for high-spending businesses.

Complimentary golf lessons and green fee waivers provide premium lifestyle perks for card users.

Cons

Key drawbacks and limitations.

The general reward rate of 0.25% cashback on most spends is relatively low.

Lacks any premium travel benefits, including domestic or international lounge access.

The foreign currency markup of 3.5% can be quite high for international transactions.

Fuel surcharge waiver is capped at ₹250 per month, limiting potential savings.

Welcome benefits are modest, offering only 500 reward points for initial spends.

Cons

Key drawbacks and limitations.

Fuel transactions do not earn reward points, a drawback for businesses with high fuel expenses.

Domestic lounge access requires ₹75,000 quarterly spend, which might limit usage for some.

Accelerated reward points are capped at 3,000 per month in select categories, limiting potential.

High interest rate of 3.99% per month (47.88% annually) on outstanding amounts can be a concern.

A redemption fee of ₹100 + GST is charged for rewards, reducing their overall net value.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.